About ING Direct

ING DIRECT, the nation's largest direct bank and largest thrift, is dedicated to inspiring Americans to become a nation of savers. Since its inception in 2000, more than 7.5 million Americans have entrusted their savings with ING DIRECT. ING Direct offers- Electric Orange, an easy-to-use paperless checking account that also pays a great interest rate. The Orange Savings Account lets you save with no fees, no minimums and a great rate. (Update: ING DIRECT is now Capital One 360; Orange Savings is now 360 Savings; Electric Orange is no 360 Checking)
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Overall Rating


ING Direct Report Card

Overall rating score 82%
Customer Rating
Based on 186 Reviews
Bank Fees
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Customer Reviews

Most Helpful Customer Reviews

Bill B's Profile Image

Reviewed by Bill B

Nov 11th 2008

4 out of 5 marks

easy navigation

I have 14 CD's with ING. They have the easiest website to navigate. It's extremely user friendly. Access to account information, balances, etc are easy to find. New CD's are easy to purchase. While a few offer slightly higher rates, I recommend ING.

Is this review helpful? ▲ Yes 7 ▼ No 0

Richard C's Profile Image

Reviewed by Richard C

Jun 27th 2008

3 out of 5 marks

Good Experience

I've gotten slightly better online savings rates elsewhere, and I bank a lot of cash so a little % difference is meaningful over time, but I like the ING DIRECT online experience, and their customer service is very good. Super helpful and freindly people answer the phones when you need live-person telephone support. Also, they offer plenty of good short-term CD rates if you ever feel you want to boost the savings rate percentages a bit more.

Is this review helpful? ▲ Yes 6 ▼ No 0

mark f's Profile Image

Reviewed by mark f

Feb 2nd 2010

1 out of 5 marks

Stay away from ING Bank at all cost

Up until today in the four months I'd been with ING I thought it was a pretty cool bank what with their cool on line banking but I always thought they overdid things a little with security-it's as if every little thing you do, they call or email you to see if you intended to do it. I put up with it as I didn't think it was that big a deal. But then today it was as if Dr. Jeckyl took that final all important dose of whatever he took and completed the final step in the process of becoming a monster. Wait till you hear this...I get a call from their security people asking me all kinds of questions about why I've link up some of my bank accounts to one another. But it's not like I'm up to no good cause I'm just transfering really small amounts. So with no notice these b.....ds close my account and now I even can't even access my own money. Then these jerks tell me I have to wait 30 to 60 days to get my 250 dollars. Unbelievable! It's like a nightmare. And you wouldn't believe the arrogance of the woman in security when she calls me asking me all these questions about what I'm up to, as if I'm masterminding some great money laundering scheme or something. If you saw the piddling amounts I transfer you woldn't believe it. The bottom line is these ah---s in security at ING are just trying to impress their bosses in showing them how perceptive they were in "catching" someone like me in their tracks. The whole thing is unreal! Anyway stay away from ING Direct at all cost.

Is this review helpful? ▲ Yes 14 ▼ No 10

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Banking Fees

Type Fee National average
Monthly Inactivity



Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM




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